When multiple siblings inherit property, deciding its fate can tear families apart. Some want to sell immediately for cash, while others desperately want to keep the family home. These conflicts stall probate, damage relationships, and often force below-market sales that nobody truly wants.
Capital Direct Funding's heir buyout loans offer a better solution— allowing one heir to buy out the others fairly, keeping the property in the family while ensuring everyone receives their rightful inheritance.
Why Heir Buyouts Matter in California
In California's high-value real estate market, inherited property disputes affect over 70% of estates. The stakes are especially high due to Proposition 19, which allows heirs to preserve their parents' low property tax basis—potentially saving $10,000+ annually. Selling the property resets taxes to current market rates, costing families hundreds of thousands over time.
Without heir buyout financing, families face:
- Forced property sales below market value
- Legal battles costing $30,000-$50,000
- Permanently damaged sibling relationships
- Lost tax benefits worth $100,000+ over 10 years
How Heir Buyout Loans Work
Our streamlined 4-step process resolves inheritance disputes quickly:
- Family Agreement – Heirs agree one sibling will keep the property
- Fast Approval – CDF approves financing within 48-72 hours (not 45-60 days like banks)
- Quick Funding – Loans from $50,000 to $5 million funded in 7-14 days
- Fair Distribution – Buying heir pays siblings their shares, avoiding disputes
Common Scenarios We Solve
The Caregiver Situation
When one sibling lived with or cared for aging parents, they often have deep emotional ties to the home. Heir buyout loans allow them to keep the property while fairly compensating other heirs.
The Investment Opportunity
Rental properties generating $5,000-$10,000 monthly income shouldn't be sold just because one heir needs immediate cash. Our financing allows the investment-minded heir to maintain the income stream while buying out siblings.
The Prop 19 Advantage
Properties purchased decades ago often carry tax assessments of just $2,000-$4,000 annually. Selling resets taxes to $15,000-$25,000 yearly. Heir buyouts preserve these valuable tax bases, saving families hundreds of thousands over time.
The Business Property
When the family business operates from inherited commercial property, selling disrupts operations and eliminates income. Buyout loans keep businesses running while ensuring fair inheritance distribution.
Why Choose Capital Direct Funding?
Speed
While banks take months, we fund in days. We understand probate deadlines don't wait.
Fairness
Transparent terms ensure all heirs receive equal treatment with no hidden fees reducing distributions.
Expertise
15+ years specializing in California probate loans means we understand Proposition 19, trust distributions, and county-specific requirements.
Proven Track Record
Over 5,000 California families have successfully resolved inheritance disputes through our heir buyout programs.
The Real Cost of Waiting
Every day without resolution costs money. Consider a typical $1 million California property:
Forced Sale Scenario:
- Sale price (often below market): $950,000
- Real estate commissions (6%): -$57,000
- Attorney/probate fees: -$25,000
- Capital gains taxes: -$150,000
- Net to heirs: $718,000
Heir Buyout Scenario:
- Property retained at full value: $1,000,000
- One-time loan costs: -$35,000
- Preserved Prop 19 savings (10 years): +$120,000
- Net family benefit: $1,085,000
That's $367,000 in additional family wealth preserved through strategic heir buyout financing.
Take Action Before It's Too Late
California probate deadlines are strict. Distribution delays can trigger:
- Additional attorney fees ($500-$1,000/month)
- Property deterioration and maintenance costs
- Lost rental income opportunities
- Increased conflict among heirs
Don't let disagreements destroy relationships or force you to sell a cherished home.
Get your free heir buyout consultation today!
Call: (626) 796-1680
Visit: capitaldf.com
Sources: California Probate Code; Proposition 19 Guidelines, CA Board of Equalization (2025); California Association of Realtors Probate Market Analysis (2024)